cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX backdating question

Regular Contributor

AMEX backdating question

i have only 7 months credit history but I have already 4 cc 

walmart recently raiselimit to to 1050

 

wells fargo

capital one

amex gold 

 

i need to buy a car soon and I was wondering if applying 

in January for an amex revolver will help me? because it would backdate

to January 2012 and will it make my history 1 year old in stead of 7 months?

will that help me?

FICO 8's EX 770 EQ 751 TU 771 (1/16/17)
Amex Gold Premier rewards ( Charge Card)
Amex Blue cash - $47,800 Wells Fargo - $15,000 Citibank Simplicity - $13,800 Barclays Apple - $13,000 Walmart Mastercard - $8000 Chase Slate - $7,200 Discover It - $5,500 Capital One - $5,250
Message 1 of 6
5 REPLIES
Valued Contributor

Re: AMEX backdating question


pat0812 wrote:

i have only 7 months credit history but I have already 4 cc 

walmart recently raiselimit to to 1050

 

wells fargo

capital one

amex gold 

 

i need to buy a car soon and I was wondering if applying 

in January for an amex revolver will help me? because it would backdate

to January 2012 and will it make my history 1 year old in stead of 7 months?

will that help me?


 

A car might be easier to get with only 7 months history than an AMEX revolver.  

Message 2 of 6
Valued Contributor

Re: AMEX backdating question


RyVision wrote:

pat0812 wrote:

i have only 7 months credit history but I have already 4 cc 

walmart recently raiselimit to to 1050

 

wells fargo

capital one

amex gold 

 

i need to buy a car soon and I was wondering if applying 

in January for an amex revolver will help me? because it would backdate

to January 2012 and will it make my history 1 year old in stead of 7 months?

will that help me?


 

A car might be easier to get with only 7 months history than an AMEX revolver.  


OP already has the gold card.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 3 of 6
Valued Contributor

Re: AMEX backdating question


armbenderc wrote:

RyVision wrote:

pat0812 wrote:

i have only 7 months credit history but I have already 4 cc 

walmart recently raiselimit to to 1050

 

wells fargo

capital one

amex gold 

 

i need to buy a car soon and I was wondering if applying 

in January for an amex revolver will help me? because it would backdate

to January 2012 and will it make my history 1 year old in stead of 7 months?

will that help me?


 

A car might be easier to get with only 7 months history than an AMEX revolver.  


OP already has the gold card.


Ninja edit!  I noticed that too

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 6
Valued Contributor

Re: AMEX backdating question

yes/no
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 5 of 6
Highlighted
Valued Contributor

Re: AMEX backdating question


Jutz wrote:

armbenderc wrote:

RyVision wrote:

pat0812 wrote:

i have only 7 months credit history but I have already 4 cc 

walmart recently raiselimit to to 1050

 

wells fargo

capital one

amex gold 

 

i need to buy a car soon and I was wondering if applying 

in January for an amex revolver will help me? because it would backdate

to January 2012 and will it make my history 1 year old in stead of 7 months?

will that help me?


 

A car might be easier to get with only 7 months history than an AMEX revolver.  


OP already has the gold card.


Ninja edit!  I noticed that too


LolSmiley Very Happy

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 6 of 6